Multi-layer distribution, per person. More and more POS agents are operating the network pyramid scheme under the guise of “joining†and “partnersâ€. Although the case has been exposed, but under the temptation of "sitting the benefits of fishermen", there are still many people in the move.
"Let's get some points"
“The risk of starting a business is low, and the recommended rewards are fast. As long as the sales go out, you can lie down and get the points in the future.†In order to promote the business, when the POS agent recruits the offline, it is usually introduced to the people who have just arrived, attracting no. Entrepreneurs who are less worried about the dream of wealth are "going forward."
Mobile POS agent recruitment information shows that as long as you pay a certain amount of agency fees, you can become an agent. “The franchise fee is 8,000 yuan, and the income mainly includes transaction distribution and upgrade rebate. Among them, MPOS (hand brush) transaction is 12%, and no card payment transaction is 0.45% of settlement price. WeChat payment transaction Divided into 0.25% of the settlement price. At the same time, you can freely recruit agents, agent fees, distribution and upgrade rebates are free to set up, each agent for an agent, only pay 600 yuan to the company, the rest are their own. “A POS agent introduced, “Every user generates 10,000 credit card traffic per month, and agents can earn at least 11,000 yuan per month.†What is more attractive is the rich multi-layer distribution reward. For example, it is recommended that the agent or merchant in the lower level become a partner, and 50% of the initial fee can be obtained + 5% of the recommended partner's level of the merchant's level upgrade fee and 10% of the end of the year's team profit.
Behind the tempting recruitment, there may be a well-woven scam. At the end of July this year, the Public Security Bureau of Zhangzhou City, Jiangsu Province announced that it had successfully detected the “Xinghuo Grassland†extra large network pyramid scheme, involving more than 200 million yuan of funds, involving more than 1.5 million.
It is reported that during the investigation, the police found that many participants knew the nature of the pyramid scheme of "Sparks Prairie", but considering that the initial investment is small, 100 yuan can get started, 600 yuan can get the highest level of agency rights, and can not help Organizers claim the temptation of large returns, and they will participate in and develop the downline with a try. In just five months, the number of participants in the "Sparks of the Sparks" has reached more than 1.5 million.
In this case, the criminals used the grassroots entrepreneurial project as the gimmick to promote the APP software based on the fourth-generation mobile phone network POS machine. The main project products include two categories, one is the payment agency (to get the mobile version of the pos machine); the second is the national traffic recharge agent. The industry believes that this new model of illegal crimes developed through the Internet still possesses and reflects the distinctive features of pyramid schemes and should be severely cracked down.
Stock risk fermentation
In fact, the "Sparks of the Sparks" was not the first case similarly cracked. The police have repeatedly warned of such network marketing. However, in the face of huge interest temptations, there are still many people who "hook up." So far, similar operations are still prevalent in the network, and the development of downline members is also a direct distribution of compensation. "Low risk, recommended rewards and high returns" is the gimmick used by POS agents.
The industry believes that the current occurrence of POS fraud has occurred frequently, and it is not unrelated to the proliferation of "Second Qing" and the chaos of online sales. To this end, not long ago, the People's Bank of China issued the "Notice on Strengthening Payment and Settlement Management and Preventing New Issues Related to Telecommunication Network Crimes." It is expressly forbidden to buy and sell POS machines (including MPOS) and card readers on the Internet, and require banks and payment institutions to use the terminals of all the terminals in the specified time, and the terminals that use the illegal use and cannot confirm the actual use location are the same. Stop the business function and prevent the acceptance terminal from flowing into the hands of criminals for illegal activities.
In order to meet this administrative management requirement, many e-commerce platforms will rectify and remove the POS machine products. For example, Taobao platform banned the processing of POS machine products; Jingdong Mall could not search for related products.
But the stock risk is not to be underestimated. In a QQ group called POS, the reporter found that fake merchants, cashbacks and other operations are still rampant. “In recent days, merchants are categorizing in the background. If you need to swipe your card, you can find me to get the code.†An agent in the group said.
His so-called code is a two-dimensional code payment, log in with a separate brush account, direct scan code payment, as for the store name, address, etc. can be filled in at will. The rate of T+1 arrival is 0.38%, the vertical brush rate is 0.69%+3, and the second to the other is a plus of 3 yuan.
"The recent limit control is relatively strict. It is recommended that each control be between 500 and 1000 yuan. In terms of frequency, do not continue to brush." ​​The agent said that after the merchant classification test is completed next month, it can be loosened a lot. It can be raised to 5,000 yuan, and there is no need to worry about the bank checking the reconciliation vouchers.
It is difficult to defend the rights of litigation. "The network sells big POS, the merchants of hand-brushing equipment are mixed, and fraud has occurred." According to the insiders, the most common is that the funds are delayed after the card is swiped, and the agent takes T+1 time. The time limit is the reason, and the subsequent payment disappears. In this case, it is basically impossible to recover the funds.
Not long ago, Jiefubao was exposed to franchise franchise by POS machine. The company collected more than RMB 4 million in franchise fees from all over the country in the name of “hand brush POS joinâ€, and then on August 24 The Japanese went to the building and the victims were over 90.
However, according to the news, on October 11, a victim received a notice of “no filing†from the public security organ, and Jiefubao was identified as “no criminal factsâ€.
The reason is that although the "Second Qing" company has some illegality, the court has difficulty in judging that the agreement signed between the "Second Qing" company and the agent is invalid, and the validity of the agreement is to be determined. In this regard, the legal profession proposes to use the "unlicensed business" as the starting point and report the case in the name of "illegal operation", because in the conclusion and implementation of the agreement, the illegal act should be considered invalid.
According to Huang Ran, a lawyer at the senior legal counsel of Huirong Law Firm, in practice, there are two main reasons why the institutions that violate the regulations to carry out the “Second Clearance†business have not been effectively governed: subjectively, the “Second Qing†institutions can reduce the means through violations. The cost of merchants' handling fees and other expenses will bring considerable transaction flow to the partners. Third-party payment companies and banks will consider the interests of themselves. In the absence of major violations or financial risks, they will often "The behavior of the organization adopts an attitude of allowing or tolerating; objectively, the transaction of "two clear" is relatively concealed, increasing the difficulty of supervision.
"To solve the problem of chaotic management of the "Second Qing" organization, the regulatory authorities, banks, partners and consumers must make corresponding efforts. The regulatory authorities must strictly control and strictly punish the licensed third-party payment companies." "Institutional behavior. Third-party payment companies should cooperate with banks and partners to conduct comprehensive inspections of the cooperative third-party payment platform operating qualifications, actual business operations, and forgery of customer purchase orders. As consumers in the process of consumer behavior Pay attention to the business entity information in the transaction notes. If the main body name of the ticket is inconsistent with the actual consumer business name, you can confirm the transaction process by calling the bank and the merchant customer service phone to ensure the transaction security.†Huang Ran said.
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